Applications / Mortgage Analytics / Lenders / Michigan / Family Financial Credit Union
Norton Shores, MI · Credit union · NCUA · $165 million assets · 38 loans in 2025
Family Financial Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
38
loans originated, 2025
71
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Family Financial Credit Union makes small loans for purposes other than buying a home: its typical loan, $50,000, was among the smallest of similar credit unions.
Other purposes made up 73.7% of its 38 loans and home improvement 18.4%; purchases were 2.6%. That mix fits its typical loan, against $85,000 at similar lenders, credit unions making between half and twice as many loans. Its total for the year was $2.0 million.
It made 38 loans, against 37 a year earlier, and its growth was near the middle of similar lenders. It filed no report for 2020 and 2021, and it made 58 loans in 2023.
Half its loans, 50.0%, went to low- and moderate-income (LMI) borrowers, against 31.6% at similar lenders, and up from 24.3%. On 38 loans a few loans move this share, so the jump is not much to read into.
In Muskegon-Norton Shores, where it has lent since at least 1990, its share rose to 0.2% from 0.1%, ranking 74 of 233 lenders.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Family Financial Credit Union took 71 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 73.7% · Home improvement 18.4% · Refinance 5.3% · Purchase 2.6%
Conventional 100.0% · of 38 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Michigan | 38 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Muskegon-Norton Shores | 30 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006GEO6KHW4VRO39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 988395 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561633 | 1990–2017 |
Established 1 January 1959. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Family Financial Credit Union's data.
Family Financial Credit Union's data
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Family Financial Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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